The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$32,933
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$33,957
−HK$1,041/mo
Today · 4.125%
HK$34,998
baseline
▲ 0.50% · 4.625%
HK$37,128
+HK$2,130/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$69,996/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,637
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$37,620
−HK$997/mo
Today · 4.125%
HK$38,617
baseline
▲ 0.50% · 4.625%
HK$40,652
+HK$2,035/mo
Deposit HK$7.22M · loan HK$7.22M · min. income ≈ HK$77,234/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$541,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,519
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,749
−HK$1,249/mo
Today · 4.125%
HK$41,998
baseline
▲ 0.50% · 4.625%
HK$44,553
+HK$2,555/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$83,996/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,965
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,144
−HK$1,196/mo
Today · 4.125%
HK$46,340
baseline
▲ 0.50% · 4.625%
HK$48,783
+HK$2,443/mo
Deposit HK$5.78M · loan HK$8.67M · min. income ≈ HK$92,680/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$541,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,106
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$47,540
−HK$1,457/mo
Today · 4.125%
HK$48,997
baseline
▲ 0.50% · 4.625%
HK$51,979
+HK$2,982/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$97,994/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,292
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$52,668
−HK$1,396/mo
Today · 4.125%
HK$54,064
baseline
▲ 0.50% · 4.625%
HK$56,913
+HK$2,849/mo
Deposit HK$4.33M · loan HK$10.11M · min. income ≈ HK$108,128/mo (50% DSR)
Upfront cash ≈ HK$4.87M (deposit + AVD stamp duty HK$541,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,279
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$61,123
−HK$1,873/mo
Today · 4.125%
HK$62,996
baseline
▲ 0.50% · 4.625%
HK$66,830
+HK$3,834/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$125,992/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,947
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$67,716
−HK$1,794/mo
Today · 4.125%
HK$69,510
baseline
▲ 0.50% · 4.625%
HK$73,174
+HK$3,664/mo
Deposit HK$1.44M · loan HK$13.00M · min. income ≈ HK$139,020/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$541,598 · Scale 2, in force from 26 Feb 2026)